Data as of Oct 28, 2026.
TIP vs XRT: Differences, Returns & Fees
Over the year to Oct 28, 2026, TIP returned −1.0% to XRT's +2.4%; 0% of their weight is in the same names.
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Net assets on Oct 27, 2026: $14.6bn for iShares TIPS Bond ETF and $362m for State Street SPDR S&P Retail ETF.
Pair scorecard
TIP costs 0.17 points a year less; their one-year returns differ by 3.4 points; TIP is far larger, $14.6bn against $362m.
| Measure | TIP | XRT |
|---|---|---|
| Return | ||
| Total return, 1 year | −1.0% | +2.4% |
| Drawdown | ||
| Below its high | 9.9%, high on Nov 16, 2021 | |
| Benchmark | ||
| What it tracks | ICE U.S. Treasury Inflation Linked Bond Index | S&P Retail Select Industry Index |
| Cost and size | ||
| Expense ratio | 0.18% | 0.35% |
| Net assets, as of Oct 27, 2026 | $14.6bn | $362m |
| Holdings | ||
| Holdings in common | 0% | |
| In the S&P 500, by weight | 22% | |
| Top ten holdings, share of the fund | 16.6% | |
Holdings in common uses holdings dated Oct 27, 2026. Method
What they share
By the books each fund has filed, TIP and XRT hold 0% of their money in the same securities at the same weight. Holdings dated Oct 27, 2026.
half
0% in common
Only in one fund ↓
Side by side
TIP and XRT on the fields both publish, as of Oct 28, 2026. Source: ETFIQ.
TIP
TIP tracks an index of TIPS Bond. Over the year to Oct 28, 2026 it returned −1.0% with distributions reinvested, against −0.8% for its benchmark, the ICE U.S. Treasury Inflation Linked Bond Index. The prospectus expense ratio is 0.18% a year.
XRT
XRT tracks the S&P Retail. Over the year to Oct 28, 2026 it returned +2.4% with distributions reinvested. The prospectus expense ratio is 0.35% a year. By its holdings published by its issuer for Oct 27, 2026, 22% of the fund by weight is stocks the S&P 500 also holds, across 74 positions, with the top ten at 16.6%. It sat 9.9% below its high of Nov 16, 2021 on Oct 28, 2026.
Questions people ask
- Which returned more over the last year, TIP or XRT?
- In the year to Oct 28, 2026, with distributions reinvested, TIP returned −1.0% and XRT +2.4%.
- Which is cheaper, TIP or XRT?
- TIP is cheaper, by 0.17 percentage points a year. That is about $17 on $10,000 held for a year. Fees come from each fund's prospectus.
Links are sources, not endorsements. A comparison is not a recommendation.
How this is computed
Overlap adds up the smaller of the two weights for each security both funds hold.
Cite this pageCitation, APA and Markdown
ETFIQ, TIP against XRT, data as of Oct 28, 2026. https://etfiq.com/compare/any/tip-vs-xrt
ETFIQ. (Oct 28, 2026). TIP against XRT. Retrieved from https://etfiq.com/compare/any/tip-vs-xrt
[TIP against XRT (ETFIQ, Oct 28, 2026)](https://etfiq.com/compare/any/tip-vs-xrt)
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